46.71
+0.60%
Close of 9 Nov 2026, in USD
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About Enact Holdings
From its filings with the US Securities and Exchange Commission
Enact Holdings is based in Raleigh, North Carolina and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker ACT. The SEC classifies its business as insurance agents, brokers & service. In the fiscal year to 31 December 2025, it reported revenue of $1.24bn and net income of $674.2m. At that date it held total assets of $6.89bn and shareholders' equity of $5.36bn.
We are a leading private mortgage insurance company serving the United States housing finance market since 1981 with a mission to help people buy a house and keep it their home. We operate in all 50 states and the District of Columbia. Our principal mortgage insurance customers are originators of residential mortgage loans who typically determine which mortgage insurer or insurers they will use for the placement of mortgage insurance written on loans they originate.
As a private mortgage insurer, we play a critical role in the United States housing finance system. We are engaged in the business of writing and assuming residential mortgage guaranty insurance. The insurance covers a portion of the unpaid principal balance of Low Down Payment Loans (mortgage loans where the loan amount exceeds 80% of the value of the home) and protects lenders and investors against certain losses resulting from nonpayment of loans secured by mortgages, deeds of trust, or other instruments constituting a first lien on residential real estate. We facilitate the sale of mortgages to the secondary market, including to private investors as well as the Federal National Mortgage Association (“Fannie Mae”) and the Federal Home Loan Mortgage Corporation (“Freddie Mac”). Fannie Mae and Freddie Mac are government-sponsored enterprises (collectively referred to as the “GSEs”).
Quoted from its 10-K, filed 27 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Financial Services
- Listed since
- 13 May 2021
- Employees
- 419
- Website
- enactmi.com ↗
- Head office
- 8325 SIX FORKS ROAD, RALEIGH, NC, 27615
- Incorporated in
- DE
- Classification
- Insurance Agents, Brokers & Service
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Dominic AddessoIndependent Chairman of the Board$469,084
- Mr. Rohit GuptaPresident, Chief Executive Officer, Director, since 2013$10.0m
- Mr. Hardin MitchellChief Financial Officer, Executive Vice President, Treasurer$2.8m
- Mr. Brian GouldExecutive Vice President, Chief Operations Officer$1.2m
- Mr. Michael DerstineExecutive Vice President, Chief Risk Officer$1.5m
- Mr. Evan StoloveExecutive Vice President, General Counsel, Corporate Secretary$1.6m
- Mr. Thomas McinerneyDirector
- Mr. Jerome UptonDirector
- Mr. Michael BlessIndependent Director$288,905
- Mr. John FiskIndependent Director$288,905
- Ms. Sheila HoodaIndependent Director$293,905
- Ms. H. Elizabeth MitchellIndependent Director
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 47
- Environment
- 35
- Social
- 72
- Governance
- 33
- Direct emissions (scope 1)
- 203 t
- Energy emissions (scope 2)
- 670 t
- Women in the workforce
- 54%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Enact Mortgage Insurance Corporation provides prime-based mortgage insurance for low-down payment loans.
- Enact Holdings employs 419 full-time employees in the Financials sector.
- The company's primary mortgage insurance facilitates home purchases with minimal down payments.
Weaknesses
- Enact Holdings has a limited employee count of 419 compared to industry standards.
- The company's IPO on 13 May 2021 indicates recent market entry.
- Enact Mortgage Insurance Corporation focuses solely on residential mortgage guaranty insurance.
Opportunities
- Expanding private mortgage insurance products for prime-based loans in the US market.
- Increasing fee-based underwriting services for mortgage lenders in the Financials sector.
- Growing demand for low-down payment mortgage loans in the US housing market.
Threats
- Regulatory changes in the US mortgage insurance industry could impact operations.
- Competition from established mortgage insurance providers in the Financials sector.
- Economic downturns affecting residential real estate market stability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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